While the economic downturn has affected employment and the way Americans manage their spending and saving, what hasn't changed is the level of retirement planning, or lack thereof. According to a new report from the Society of Actuaries (SOA), for both 2007 and 2009 almost one-third of pre-retirees (individuals currently in the workforce) stated that retirement will not really apply to them. Of this group of pre-retirees, 31 percent said they will be financially unable to retire, and 23 percent will choose to continue working. Both pre-retirees and retirees say they plan to prepare for retirement risks, but little has changed in how they are addressing the gaps in strategies, such as concerns with protecting inflation from outpacing savings or the risk of outliving their assets.